SIM Only Contracts Explained

Many people have heard about SIM only contracts and been offered them by their networks. Here's a brief guide to what a SIM only contract is and how it can save customers money when they switch.

SIM Only Contracts Are Always Cheaper - For many years, UK mobile customers have gotten used to paying for their mobile phone and contract all in one monthly payment (and why not, its an affordable way to get a top-spec phone). Recently however, mobile phones have become more and more expensive meaning that although providing data, minutes and texts is cheaper, contracts have gotten more expensive.

SIM only contracts remove the cost of the handset so you're only paying for the cheaper parts of the contract plus you get to use your perfectly good phone that you've already payed for!

SIM Only Contracts Are Simpler - When you get a mobile phone contract it is usually for 24 months. This can mean that you're tied to an expensive phone that usually becomes out-dated after a year. With a SIM only contract customers can switch every 30 days or 12 months (Some networks may let you change more often since it's an easy process). You can keep your number and most of the time you get more data and minutes for less!

SIM Only Contracts Give Customers Choice - Happy with your current phone and don't want an expensive new one? Got your eye on next years top iPhone? SIM contracts are perfect for keeping your options open, you can simply keep your contract rolling until it's time to upgrade. All the money you save with a SIM deal has to go somewhere right?

What size SIM card do I need?

Nano SIM - The smallest SIM card, used in newer high-spec phones eg. the iPhone 7, iPhone 8, Samsung Galaxy S8.

Micro SIM - The second smallest SIM card, used in some older phones and newer mid-spec phones eg. the iPhone 4s, Samsung Galaxy S5 & S4, LG G5 SE.

Standard SIM - The largest SIM card, used in older phones eg. the iPhone 3Gs, Samsung Galaxy S5.

SIM Only Contracts & Your Credit Score

Many customers apply for a SIM contract with because they have been rejected fora mobile phone elsewhere. SIM only contracts have a much lower threshhold for being accepted because you're not getting an expensive phone. We're proud of our accept rate with UK networks and so long as customers provide up-to-date details when they apply they should have no issues being approved.

Applying For A SIM Contract

There is a huge range of SIM only deals available on Just choose the network that you want and the amount of data you need and you're good to go. If you find a good SIM deal on a network you're not currently with don't worry, it's easy to switch your number and start saving with a SIM only deal.

SIM Only Deals And Bad Credit

If you have been rejected for a mobile phone in the past it's possibly due to bad credit. SIM only deals aren't the only option if you have bad credit but they have much easier acceptance criteria for a credit check and so have a much higher approval rate than normal mobile contracts (you're not getting an expensive handset). We find that SIM deals are great for customers with poor credit due to lower costs, flexibility (if you choose a 1-month plan) and easier acceptance criteria.there are even deals with no credit check required.

While their are some SIM only deals which we recommend for bad credit over others, we think that for most customers, a SIM only contract is a great way to go.

No Credit Check SIM Deals

We love no credit check SIM plans.

If you're looking for bad credit SIM only deal then the options provided by no credit check SIM networks are great. Like they say on the tin, they don't require any credit checks since they're "pre-pay", meaning that your SIM will work once you've paid for that month's data allowance.

The benefits of this flexibility are that you can change your allowance each month and even cancel you plan if you want to move to another network - either when you find a new deal or if you want to trial a different network. Like other networks, you can easily move your number to a 1-month SIM with the text-to-switch process.

Which SIM Deal Is Best For Bad Credit?

We don't believe there is a "Best" deal for everyone and that it's a case of figuring out what each customers wants or needs. If you want Unlimited data then there are fantastic deals from Smarty and Three Mobile (Three's 6 months half-price SIM is amazing), and if you want the fastest speeds then EE is "usually" the market leader (this may depend on your location so check their coverage).

There are a few decisions which make choosing a little easier:

  • Do you want a 24-, 12- or 1-month SIM? 24- and 12-month provide more value-for-money in the long run but can be inflexible if you think you'll want to change plan or network before the end of your contract.
  • Have you had problems with your signal in the past? If signal is a problem then moving to a better network will be a priority. Check different networks coverage in your area - each network has a handy online coverage checker for this.
  • Will you pass a credit check? Do you not want to risk having one done? Some people don't like having their credit checked or know that having them repeated close together can damage credit. If this is the case for you, we strongly recommend a no credit check SIM from either Voxi or Smarty.

The Bad Credit SIM Experts

The UK's Best Deals
We've worked in mobile for years so we know a good deal when we see it. We find customers the best, affordable SIM deals and excel in finding SIMs for bad credit.

Top Bad Credit SIM Option

Guranteed Deals. Cheap Prices.
All UK SIM Only Contracts have a much higher accept rate due to the quicker checks done - Without an expensive mobile handset, almost anyone can get a poor credit sim only deal.

Affordable Prices

Big Plans for less!
Simply select the amount of data you want and we show you an estimate of the monthly cost. All that's left to do is choose your minutes and you've got a deal!

  • Why SIM Only?
  • Plan Options
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What is a SIM Only Contract?

A SIM Only Contract is a contract provided by a mobile network that doesn't include a mobile handset. You pay only for using the networks data, minutes and texts but there is no monthly charge for a phone - This usually means that a SIM Contract is cheaper and has a higher accept rate.

Many cutsomers find that SIM Contracts are perfect for reducing their monthly mobile bill when they have a working phone they can use instead that doesn't cost them anything. The lower cost and better acceptance criteria make SIM Contracts good for people with poor credit.

Pick Your Bundle

Many customers are surprised at how much more they can get from a network contract when they pay for just the SIM. Bigger bundles of minutes and data are provided (up to unlimited in some cases) and they often have personal hotspot data included!

You can choose a variety of different data plans to suit your needs and if you're not a big talker there are options for lower minutes to reduce the monthly cost of your SIM deal - For example you can choose from 200 up to unlimited minutes depending what you need.

How to get started

The perfect way to get ready to use a SIM only contract is to make sure you have a mobile handset ready to go. You can use one you already have (from an older, more expensive contract) and if it's unlocked or of the same network your SIM card will be ready to go - Make sure you choose the right size card for your mobile!

If you want to make a fresh start, there are loads of places where you can find great deals on unlocked smartphones or sim-free phones that have been recycled. This is a great way to make your new SIM only contract more affordable since you already have your smartphone and don't need to pay more every month!